So everyone knows… the new Apple Card lets you do 0% financing on the iPhone. (You also get 3% cash back for buying from the Apple Store.)
So you can buy an unlocked iPhone and pay for it in installments.
Now there is no need to buy from the carriers, have a locked phone, or pay full price up front.
Source: Me, paying ~$68/month for the unlocked iPhone 15 Pro. Also, I do a carrier’s prepaid plan because I’ve been bested by contracts before.